Will writer insurance

Will writers’ public liability insurance

In case your business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your will writing business
• an injury or illness caused by your business activities
• accidental damage or injuries caused by your employees

For example:

• you accidentally spill coffee on your client’s sofa while visiting their premises, causing a permanent stain
• your client trips over a bag which you’ve left on the floor during a consultation, breaking their ankle

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• a contractor working for you traps their hand in your office door, fracturing two fingers
• your receptionist slips down some wet steps outside your office which need pressure-washing, breaking her arm and injuring her lower back

Will writers’ professional indemnity insurance

In case there’s a claim for negligence, or breaches in your duty of care.

What’s typically covered by will writers’ PI insurance?

Claims against your business for professional negligence or a loss-causing breach of contract. This can include:

• advice which turns out to be incorrect
• mistakes in your work that cost others money to fix

For example:

• you send an email containing sensitive information to the wrong person, and your client raises a breach of confidentiality claim
• a client deems your work to be negligent and inaccurate after writing their will, and raises a professional indemnity claim against you

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to your fixtures and fittings or operational equipment.

What’s typically covered by business and office equipment insurance?

• accidental damage to your fixtures and fittings, or the equipment you use to run the business
• theft, flood, and fire damage

For example:

• someone breaks into your office and steals three company laptops
• you drop your laptop down some steps while visiting a client, causing serious damage to the screen

Read more about business and office equipment insurance

Legal expenses insurance

In case you and your will writing business face legal costs.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your will writing business
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis support to help you protect your reputation as a trusted will writing professional

For example:

• you sign a contract which carries a specific delivery deadline but the process takes longer than you’d anticipated, delaying your work – the client takes legal action and you need to pay associated costs
• a contractor raises a legal suit against you, and you need to recover costs

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

• accidental injury or death at or outside of work, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• while on a walking holiday you injure your lower back, preventing you from working as normal for a few weeks
• your office manager suffers an injury while swimming at the weekend, and needs time off work for hospital visits

Read more about personal accident insurance

Is public liability enough for third party property damage?

In some situations you may need more than public liability to cover certain kinds of property damage.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does will writing insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider copywriter insurance or journalist insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

• Interpreter insurance
• Translator insurance
• Bookkeeping insurance
• Finance and legal
• Web designer insurance
• Videographer insurance
• Designers insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.